Garibjanta, lots of stuff that you posted are more "Arabic" in language to me. So I don't understand your setntiments locally. Tara, I see that we are talking about some top-stuff in Nepal, or atleast so it exists. My true understanding upon reading some "Legitmacy" from Nepal Tara ji , is that, he aint' got nothing to do with what you are talking here. Nonetheless, talking about Himalayan bank, I understand that there is guy called Sanjaya Shrestha, with whom I have played some cricket, and who is a Harvard grad, currently pursuing Wharton studies, happens to be at that bank at his leisure. My question would be how is all this corelated? Cheers! Uhi Rajeev, CT, Amrika